Being a 28 year old woman with no family history of heart disease the chances of your chest pains being heart related would be very rare. Chest pain can come from many other causes. The fluttering is probably ectopic heart beats either pvcs or pacs and probably caused by your anxiety over the chest pain and nothing to worry about if it is. However it is always best to get check out just in case and it will help ease your anxiety. You might see about getting a stress test or echo stress test. I doubt any doctor is going to do a invasive procedure like a angiogram at your age and probability of having heart disease. Hope this helps.